The right commercial coverage depends on what your business does, where it operates and who works for you. These questions help frame a productive conversation with your advisor.
The essentials
1) What liability limits do my contracts or landlord require? 2) Is my equipment and inventory covered at replacement cost? 3) Do I need workers' compensation in my state? 4) Would business interruption coverage replace lost income after a covered loss?
Often overlooked
5) Am I protected against cyber incidents and data breaches? 6) Are vehicles used for work covered by a commercial auto policy? 7) Would a bundled business owner's policy cost less than separate policies?
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This article is general information, not advice for your situation. An Elitus advisor can review your options at no extra cost.
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